What happens if a cheque is found to be fraudulent well after the end of the 6th working day after I have paid in my cheque?
All customers are protected provided they are not a knowing party to a fraud and each case would be looked at on an individual basis. If there is a dispute, you can seek redress through the bank or building society's own formal complaints procedure (the Banking Code sets out how to make a formal complaint) and failing satisfactory resolution, you can refer your complaint to an independent assessment by the Financial Ombudsman Service.